Page 62 - AAE PR REPORT - AUGUST 2025

8/14/25, 9:37 AM Al Ansari Financial Services' H1 2025 operating income increases by 13% to a record AED 638 million
0.0142
(3%)

Free Cash Flow (FCF)
269,790

242,019
+12%

137,213

127,181
+8%

Operational Highlights

H1’25*

H1’24
Change (unit)

(YoY)
No. of physical branches

439
259

180 net
branches

since H1’24

Total No. of transactions
27.6 mn
25.0 mn

+10%

* H1’25 figures include BFC Group results

h1’25 Financial Performance Commentary

Operating Income demonstrated an increase of 13% YoY driven by the consolidation of BFC figures and robust performance across most
of the business lines.

EBITDA witnessed a sizeable 11% growth YoY, with EBITDA margin remaining consistent at 45%, despite a complex operating
environment characterised by increased costs and geopolitical tensions in the region.

Net profit after tax increased by 3% YoY, as a result of the increased finance costs for the acquisition loan, despite the sizeable uptick in
operating income arising from the consolidation of BFC results.

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